2423 McCormick Rd, Southport (Panama City), FL 32409 Property Records

Bay County property record for 2423 McCormick Rd, Southport, FL 32409

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1999
Lot Size	1.45 acres (63,162 sqft)
Owner	Individual Name on Record
Last Sale	$266,200 (Mar 2025)
Tax Bill	$1,997 (2025)
Deeds & Mortgages	Dec 2022 Transfer Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`07960-012-000`

Property Details

APN / Parcel Number

Primary APN	`07960-012-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	63,162 sqft (1.45 acres)
Lot Dimensions	367 ft deep x 172 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2423 MCCORMICK RD
City	PANAMA CITY
State	FL
Zip	32409-1592
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	27 2S 14W -42.1A- 101A BEG 987.39 E & 30 N OF SW COR OF THE SE1/4 TH N 349.81 E 165 S 350.91 W 165 TO POB ORB 4640 P 2092
Legal Range	14W
Legal Township	02S
Legal Section	27
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	1
Census Block	1043
Census Tract	203

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Intrafamily Transfer, Transfer
Jul 5, 2022	Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK
Nov 17, 2017	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2025 · Amount on Record
Deed Sale	Mar 25, 2025 · Amount on Record
Prior Sale	Jul 5, 2022 · Amount on Record
Deed Document Number	202516176
Deed Book / Page	4896 / 1136
Prior Transfer Date	Dec 13, 2022
Prior Transfer Doc	0046402092
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 19, 2022
Property Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592
Document Number	0046402092
Book / Page	4640 / 2092
Instrument Date	Dec 13, 2022
Instrument	2022089275
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 5, 2022
Property Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592
Document Number	0045840415
Book / Page	4584 / 415
Instrument Date	Jul 5, 2022
Instrument	2022049952
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,872.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3002 MALONE DR, 3002, PANAMA CITY, FL 32405-3841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592

Mortgage

Document Number	0004584417
Date	Jul 5, 2022
Instrument	4584/417

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 17, 2017
Property Address	2423 MCCORMICK RD, SOUTHPORT, FL 32409-1592
Document Number	0039560202
Book / Page	003956 / 000202
Instrument Date	Nov 17, 2017
Instrument	66932
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FLORIDA COASTAL CLOSING AND ESCR

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2423 MCCORMICK RD PANAMA CITY FL 324091592, PANAMA CITY, FL 32409-1592

Mortgage

Document Number	39560204
Date	Nov 17, 2017
Book Page	003956/000204
Instrument	66933

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2047

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,997.00 (+1.47%) Homeowner's exemption	$201,046 (+2.48%)	$205,625 (+4.82%) Land $39,643 Building $165,982
2024	$1,968.00 (-1.94%)
2023	$2,007.00 (+56.07%) Homeowner's exemption	$196,172 (+34.35%) Land $39,643 Building $156,529	$196,172 (+28.2%) Land $39,643 Building $156,529
2022	$1,286.00 Homeowner's exemption	$146,021	$153,017 Land $36,975 Building $116,042

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 326 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	389 units insured incl. 63 condo units
Nearby Flood Claims	20 (1995–2021)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Hurricane Opal, Oct 1995 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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